Home > Downstate National Bank > Income and Expense
Downstate National Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,726,000 | 9,388 |
| Total interest expense | $812,000 | 9,221 |
| Net interest income | $914,000 | 9,389 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $115,000 | 9,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 9,106 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 6,947 |
| Total noninterest expense | $632,000 | 9,617 |
| Salaries and employee benefits | $332,000 | 9,721 |
| Premises and equipment expense | $58,000 | 10,005 |
| Additional noninterest expense | $242,000 | 8,940 |
| Pre-tax net operating income | $397,000 | 8,460 |
| Securities gains (losses) | $-3,000 | 9,416 |
| Applicable income taxes | $124,000 | 8,012 |
| Income before extraordinary items | $270,000 | 8,599 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $270,000 | 8,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $160,000 | 5,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $272,070 | 8,545 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,662,000 | 9,867 |
| Total interest expense | $769,000 | 9,742 |
| Net interest income | $893,000 | 9,850 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $124,000 | 9,461 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 9,499 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,130 |
| Total noninterest expense | $633,000 | 10,054 |
| Salaries and employee benefits | $335,000 | 10,074 |
| Premises and equipment expense | $58,000 | 10,410 |
| Additional noninterest expense | $240,000 | 9,502 |
| Pre-tax net operating income | $384,000 | 8,611 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $120,000 | 8,404 |
| Income before extraordinary items | $264,000 | 8,709 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $264,000 | 8,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 10,676 |
| Cash dividends | $170,000 | 5,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $264,000 | 8,650 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,596,000 | 10,358 |
| Total interest expense | $703,000 | 10,301 |
| Net interest income | $893,000 | 10,267 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $134,000 | 9,586 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 9,888 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,996 |
| Total noninterest expense | $657,000 | 10,338 |
| Salaries and employee benefits | $343,000 | 10,386 |
| Premises and equipment expense | $55,000 | 10,933 |
| Additional noninterest expense | $259,000 | 9,735 |
| Pre-tax net operating income | $370,000 | 9,259 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $117,000 | 8,844 |
| Income before extraordinary items | $250,000 | 9,407 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $250,000 | 9,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 10,916 |
| Cash dividends | $120,000 | 6,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $252,040 | 9,373 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,402,000 | 10,929 |
| Total interest expense | $558,000 | 10,812 |
| Net interest income | $844,000 | 10,901 |
| Provision for loan and lease losses | $67,000 | 5,416 |
| Total noninterest income | $130,000 | 10,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 10,344 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,482 |
| Total noninterest expense | $607,000 | 11,093 |
| Salaries and employee benefits | $290,000 | 11,303 |
| Premises and equipment expense | $59,000 | 11,335 |
| Additional noninterest expense | $258,000 | 10,431 |
| Pre-tax net operating income | $300,000 | 10,140 |
| Securities gains (losses) | $-12,000 | 9,966 |
| Applicable income taxes | $63,000 | 10,161 |
| Income before extraordinary items | $225,000 | 9,977 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $225,000 | 9,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,521 |
| Cash dividends | $95,000 | 7,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $234,360 | 9,943 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,412,000 | 11,427 |
| Total interest expense | $545,000 | 11,444 |
| Net interest income | $867,000 | 11,284 |
| Provision for loan and lease losses | $15,000 | 9,365 |
| Total noninterest income | $84,000 | 11,715 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 10,806 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 9,758 |
| Total noninterest expense | $611,000 | 11,591 |
| Salaries and employee benefits | $286,000 | 11,805 |
| Premises and equipment expense | $57,000 | 11,958 |
| Additional noninterest expense | $268,000 | 10,852 |
| Pre-tax net operating income | $325,000 | 10,017 |
| Securities gains (losses) | $26,000 | 4,293 |
| Applicable income taxes | $109,000 | 9,529 |
| Income before extraordinary items | $242,000 | 10,138 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $242,000 | 10,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $130,000 | 6,378 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $224,060 | 10,114 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,551,000 | 11,843 |
| Total interest expense | $703,000 | 11,791 |
| Net interest income | $848,000 | 11,714 |
| Provision for loan and lease losses | $5,000 | 11,499 |
| Total noninterest income | $209,000 | 9,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 11,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,968 |
| Total noninterest expense | $625,000 | 11,915 |
| Salaries and employee benefits | $288,000 | 12,154 |
| Premises and equipment expense | $53,000 | 12,576 |
| Additional noninterest expense | $284,000 | 11,071 |
| Pre-tax net operating income | $427,000 | 8,996 |
| Securities gains (losses) | $6,000 | 6,913 |
| Applicable income taxes | $147,000 | 8,689 |
| Income before extraordinary items | $286,000 | 9,478 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $286,000 | 9,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $93,000 | 6,787 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $282,040 | 9,145 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.